5 budgeting apps for couples with common financial goals

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If you want to manage your finances with a partner, budgeting apps may help.


the main points

  • If you are having a hard time managing your finances as a couple, you may consider using budgeting apps to take better control of your finances.
  • Goodbudget, Mint, and You Need a Budget are some couple-friendly budget apps.

Are you having difficulty managing money? Budgeting apps can make it easier to manage your money and reduce overspending. These apps can come in handy if you’re looking to free up some excess income for savings goals or want to put a lot of extra money to pay down debt. If you manage your finances with a partner, whether through joint or individual accounts, using a couple-friendly budgeting app can be helpful so you both are in the loop. Here are some budgeting apps for couples with common financial goals.

1. Goodbudget

cost: Free (with limited capabilities), $8 per month or $70 per year for the Plus version

Goodbudget is a budgeting app that works well for couples who want to manage their finances together. You can prepare a family budget and share it with budget partners. This app uses the envelope method for budget preparation. You’ll take your money, set spending categories and limits, and you can monitor your progress. If you’re looking for a streamlined way to keep track of the budget together virtually, this is a good option.

2. Honey lotion

cost: free

Honeydue is another financial app for couples. You and your partner can use this tool to keep track of your financial accounts, review balances, coordinate bills, split expenses, and collaborate as you work on your financial goals. If you don’t have a lot of extra cash to spare and want to make some financial changes, you might want to try this free budgeting app.

3. You need a budget

cost: $14.99 per month or $99 per year

You Need a Budget (YNAB) is a popular budgeting tool. This app focuses on zero budgeting, which takes all of your money and gives every dollar a job. The company recently introduced a new app feature, YNAB Together, that allows couples, roommates, and families to share a budget to work on their finances together. As a YNAB user, you can invite up to five people to YNAB all together for one subscription price.

4. Mint

cost: free

Although Mint doesn’t market itself as a budgeting app for couples, you can use it to manage your finances with someone else. You can import data from your financial accounts and add your personal and joint accounts to manage your finances with one joint Mint account. Unlike some other budget apps, this one is free to use.

Mint’s most notable features are the ability to monitor your cash flow, track your monthly expenses, set and follow spending budgets, and negotiate your bills. You can also set up alerts so that you are notified of additional charges, overspending, and upcoming bills. If you have financial goals you’re working on this year as a couple, Mint can help you reach them.

5. Simplified

cost: $3.99 per month or $47.88 per year

Simplifi is another budgeting app that couples can use to jointly manage their finances. You can link different financial accounts, set and work on savings goals, monitor your spending, set and follow spending budgets, and review your progress to see what changes you need to make as you navigate your financial journey. Couples can link their individual or joint accounts to manage money as partners.

Support each other’s joint financial and personal goals

Working together as a team while working on joint and personal funding goals is a healthy way to be supportive in your partnership. If you’re struggling with your financial dreams and want to get on the same page, you might want to try budgeting apps for couples. To learn more about additional apps, check out our list of the best budget apps.

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